How to get proof of your no-claims bonus

If you’ve built up a no-claims bonus (NCB), you’ll want to take advantage of the discount it gives you when you switch insurance providers. To do this, you’ll need to get proof of no claims. Here’s how.  

If you’ve built up a no-claims bonus (NCB), you’ll want to take advantage of the discount it gives you when you switch insurance providers. To do this, you’ll need to get proof of no claims. Here’s how.  

Daniel Hutson
From the Motor team
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Posted 18 MAY 2021

How to get proof of no claims 

Whether they call it a no-claims bonus, or a no-claims discount, it’s all the same thing. However, your provider won’t always send you proof of no claims automatically. And some new providers will ask your old provider for the proof of no-claims discount themselves, but they’ll let you know if they’re going to do this.   

Your no-claims discount may be on your renewal letter. If it’s not on there, it might be on the cancellation notice you’ll receive if you’re switching.   

If you can’t find it yourself, contact your provider and ask them to send you the required proof. 

Once you’ve forwarded proof to your new provider, you should get a letter from them, confirming they’ve received it. If you don’t hear anything, follow up to make sure they have it.  

Why your no-claims bonus matters 

Your no-claims discount (NCD) accrues for each year you’re on the road without making a claim on your car insurance. The longer you drive without a claim, the more discount you can potentially get – although insurance providers often cap bonuses at around five years.   

Your no-claims bonus plays an important role in how your car insurance premium is calculated. Although potential discounts vary depending on the provider, the Association of British Insurers says that one claim-free year could net you up to 30% off, and up to 60% if you manage five years without making a claim. 

If you’ve switched to a new provider and stated your no-claims bonus (NCB) when you were quoted, you’ll need to give proof of the NCB – typically within seven to 21 days. If you can’t provide it by then, your insurance may be cancelled or your premium could go up. 

How do I know how much no-claims bonus I have? 

If you’re not sure how much no-claims bonus you’ve racked up over the years, you should start by having a look at your renewal letter or email. This will be sent out before your renewal date, meaning you’ll still have time to switch. If you can’t find it there, it could also be included on your cancellation notice, once you’ve made the switch. If you still can’t find it, it’s always best to just get in touch with your existing provider and ask them to send you proof of your existing no-claims discount. 

How car insurance providers give proof of no claims 

Getting proof of no claims isn’t always straightforward, as insurance providers give (and accept) proof in different ways.   
When you switch, it’s a good idea to check what proof of no claims your new car insurance provider will need. Ask them what they want to see on the document – for example, the registration number of the car the discount applies to – and whether they’ll accept a copy or scan.  
If they need the original, make sure you keep a copy for your own records. 

Do insurance companies ask for proof of no-claims bonus? 

Yes, if you’re switching to a new car insurance provider and tell them you have an existing no-claims bonus in your application, they may want to see some proof. Make sure you check how they want your proof, as different insurance providers will ask for it in different ways. 

When do I have to prove my no-claims bonus?

If you switch to a new car insurance provider and stated you have a no-claims bonus in your application, your new car insurance provider may want some proof. They’ll usually make you provide this proof within one to three weeks. If you can’t give them the proof they need in time, your policy might be cancelled, or your premiums will become more expensive. 

How long does my no-claims bonus last? 

Your no-claims bonus will last for two years, after your car insurance has expired. So, if you don’t drive for more than two years, you’ll likely lose your no-claims bonus and have to start building it up again. If you’re renewing or switching your car insurance policy, then it’ll just continue to build. Unless you make a claim, of course. 

Protecting your no claims discount

Claiming for an accident where you’re at fault can mean you lose your no-claims discount. So some drivers choose to pay a fee, on top of their insurance premium, to protect it.   

It’s worth knowing, however, that this doesn’t necessarily mean your premiums won’t rise. Providers look at your driving history when they calculate your premium, so an accident could have an impact on how much you pay for your car insurance, even if you have a NCB. 

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